[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-278802-105":53,"doc-detail-278802-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","how-to-dispute-an-item-on-your-credit-report-dispute-letter-instructions","How to Dispute an Item on Your Credit Report - Dispute Letter Instructions","","Clear instructions guide the consumer through disputing a potentially wrong or inaccurate item on a credit report. The material explains what a credit report is used for, identifies the major national credit-reporting companies, and references the federal Fair Credit Reporting Act. It details how to complete the dispute letter, make and retain copies, and mail it using certified mail with return receipt, then describes what happens after submission and how results are provided in writing.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/how-to-dispute-an-item-on-your-credit-report-dispute-letter-instructions/278802/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/how-to-dispute-an-item-on-your-credit-report-dispute-letter-instructions/278802.png","ImageObject",442,249,{"name":88,"@type":89},"Levi","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-31","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",10,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What is the purpose of disputing an item on a credit report?","Question",{"text":109,"@type":110},"The dispute process requests a change to remove or correct an item believed to be wrong or inaccurate. It is a formal way to request reinvestigation, not a guarantee of an outcome.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"Which credit reporting agencies are mentioned as national providers?",{"text":114,"@type":110},"The instructions name Experian, Transunion, and Equifax as the three national companies that provide credit reports.",{"name":116,"@type":107,"acceptedAnswer":117},"What should be included and how should the dispute letter be sent?",{"text":118,"@type":110},"Fill in all blanks, sign the letter, make copies of the letter and supporting documents, and mail it to the credit reporting agency using certified mail with return receipt.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},278802,1790231047,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":141,"read_time":73},7971461740909,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","How to Dispute an Item on Your Credit Report  \nNote: Use these instructions and letter to dispute an item on your credit report that you believe to be wrong or inaccurate.  \nThese instructions and letter may not be right for your case. They can not take the place of advice from a lawyer. Talk to a lawyer if you have any questions.  \nDo not change this letter. If you change the letter, you might lose language you need.  \nWhat Form Will I Need?  \nYou will only need one form.  \n• The Letter to Dispute a Credit Report, which begins on page 5 of this packet.  \nWhat Words Do I  \nNeed to Know?  \nA Credit Report is a summary of your financial history, including places you have lived, places you have worked, financial accounts you have opened and their current status. The report is used by banks and other creditors to determine whether or not to lend you money, and in some instances potential landlords review them to determine whether to rent to you.  \nThere are three national companies that provide credit reports; they are Experian, Transunion and Equifax.  \nThe federal Fair Credit Reporting Act (FCRA) is the law concerning credit reports.  \nWho Can Use the Form?  \nYou can use the form if:  \n• You have looked at a copy of your credit report and there is an item or items that you believe are wrong, or inaccurate.  \nNote: This letter does not guarantee an item on your report will change, this is simply how you request a change.  \nTalk to a lawyer if you have any questions.  \nHow Do I Use the Letter?  \n1 Fill in the Form  \nFill in all of the blanks on the form.  \nSign the letter  \n2 Make a Copy  \nMake at least one copy of the letter for yourself. Keep the copy in a safe place. It may be important if you have to go to court.  \nMake at least one copy of any documents you enclose with the letter. You should include a copy of your credit report with your letter and any documents that support your point.  \nNote you should keep the original of the documents you enclose with the letter and mail copies. Keep the originals in a safe place.  \n3 Mail Your Letter  \nMail your signed letter to the credit reporting agency. Use Certified  \nand Return Receipt mail. Certified and Return Receipt mail costs a  \nbit more, but it’s worth it. The credit reporting agency will have to  \nsign a receipt when they get the letter. The receipt will come back  \nto you. Keep the receipt with your copy of the letter. It may be important later if you have to go to court.  \nWhat Now?  \nUnder the FRCA credit reporting companies must investigate the items in question, usually within 30 days, unless they consider your dispute frivolous (without a basis) . They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information.  \nWhen the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change.  \n Where Can I Get More Information?  \nYou can get more information from The Federal Trade Commission’s Bureau of Consumer Protection.  \nInformation [is available online at www.ftc.gov/bcp or](is available online at www.ftc.gov/bcp or) by phone at 1-877-FTC-HELP  \n Where Can I Get Legal Help?  \nThese organizations may be able to help you:  \n• Montana Legal Services Association (MLSA) gives free legal help to low and moderate-income people. To find out if you qualify for MLSA, call the MLSA HelpLine at 1-800-666-6899.  \n• The State Bar Lawyer Referral and Information Service (LRIS) refers people to Montana lawyers who might be able to help. The referral is free. Call LRIS at 1- 406-449-6577.  \n• The State Law Library can help you find and use legal resources such as books, forms, and websites. You can visit the Law Library website at  \n[www.lawl](www.lawl)[ibrary.mt.gov](ibrary.mt.gov. Or you)[. Or you](ibrary.mt.gov. Or you) can contact a Reference Librarian at 1-800-710- 9827 or by email [at](at mtlawlibrary@mt.gov)[ ](at mtla","cbCailkh5ywJ0kom","https://ap.wps.com/l/cbCailkh5ywJ0kom","pdf",319616,6,"English","# How to Dispute an Item on Your Credit Report\n## What Form Will I Need?\n## What Words Do I Need to Know?\n## Who Can Use the Form?\n## How Do I Use the Letter?\n## What Now?\n## Where Can I Get More Information?\n## Where Can I Get Legal Help?\n## Dispute Letter Template","[{\"question\":\"What is the purpose of disputing an item on a credit report?\",\"answer\":\"The dispute process requests a change to remove or correct an item believed to be wrong or inaccurate. It is a formal way to request reinvestigation, not a guarantee of an outcome.\"},{\"question\":\"Which credit reporting agencies are mentioned as national providers?\",\"answer\":\"The instructions name Experian, Transunion, and Equifax as the three national companies that provide credit reports.\"},{\"question\":\"What should be included and how should the dispute letter be sent?\",\"answer\":\"Fill in all blanks, sign the letter, make copies of the letter and supporting documents, and mail it to the credit reporting agency using certified mail with return receipt.\"}]","How to Dispute an Item on Your Credit Report - Dispute Letter Instructions | PDF",1789512545]